About AAR Insurance

AAR Insurance is East Africa's leading private healthcare insurance provider serving over 300000 members across Kenya ,Tanzania and Uganda Since its establishment in 1984 the company has expanded from medical evacuation services to offer comprehensive medical and general insurance solutions for individuals families and businesses

Job Purpose

The Underwriting Officer evaluates insurance proposals by assessing risk determining appropriate coverage policy terms and pricing in accordance with AAR's underwriting guidelines and risk appetite. The role ensures efficient service delivery and supports business growth through sound underwriting practices

Key Responsibilities

Risk Assessment & Evaluation

• Review insurance applications to assess potential risks and liabilities
• Analyze applicant history risk factors and relevant data to make informed underwriting decisions

Policy Pricing & Terms

• Determine appropriate premiums terms and coverage for various insurance products
• Recommend policy conditions or endorsements based on risk level and company guidelines

Decision-Making

• Approve or refer applications based on underwriting authority and company policies
• Ensure decisions align with AAR’s risk appetite and strategic objectives

Documentation & Compliance

• Maintain accurate records of underwriting decisions correspondence and policy documentation
• Ensure compliance with regulatory requirements and internal documentation standards

Stakeholder Collaboration

• Work closely with Sales and Client Relations teams to support business acquisition and client servicing
• Provide technical advice and support to internal teams and intermediaries

Claims Support

• Collaborate with the claims department by providing background on policy terms and risk assessment during claims processing

Product Development

• Contribute underwriting insights during the development or revision of insurance products

Market Awareness & Reporting

• Stay informed on industry trends regulatory changes and emerging risks
• Prepare regular reports on underwriting performance risk trends and loss ratios for management review

Qualifications and Competencies

How to Apply

Interested candidates should submit a single PDF document containing a cover letter CV and academic credentials to hr.recruitment@aar-insurance.com

Subject Line: Underwriting Officer Application

Deadline: 28th September 2025